Estimating soil organic carbon from satellite-only datasets typically requires bare soil pixels, often contaminated by cloud and residue cover from conservation practices. Geospatial foundation models produce spatially continuous satellite embeddings that retain soil information, and this study evaluated their potential for SOC estimation across space and time. Using 2,003 topsoil samples from Indiana, Minnesota, and Missouri between 2021 and 2023, we compared three geospatial foundation models, AlphaEarth Foundations (AEF), Prithvi, and Tessera, against Harmonized Landsat and Sentinel-2 (HLS) spectral features. We tested sixteen modeling approaches spanning linear/distance-based, tree-based, neural network, and tabular foundation models, and assessed spatial and temporal transferability by training and testing across different states and years. AEF and Tessera outperformed HLS-derived features, and combining them with tabular foundation models such as Tabular Prior Fitted Network (TabPFN) achieved R² values of up to 0.73. Cross-year and cross-state performance was limited for all models (R² of 0.04-0.15), but incorporating a small proportion of target-year or target-state samples, through point-level sampling, improved model performance (R² up to 0.62 for cross-year and 0.54 for cross-state). Bulk density was the most important predictor identified through Shapley Additive Explanations (SHAP) analysis, and publicly available bulk density products (SSURGO and POLARIS) offered a viable, though slightly less accurate (5-10% decrease in R²), substitute for field measurements. These findings suggest that combining geospatial and tabular foundation models offers a scalable, accurate approach to SOC estimation, while highlighting spatial and temporal generalization as a continuing challenge for large-scale monitoring.